Expats Talk about Health Insurance and Healthcare in Tokyo
Last updated on Mar 03, 2025
Summary: Tokyo, Japan is home to a wide variety of hospitals and clinics, including the Tokyo Metropolitan Hiroo General Hospital, the Tokyo Medical University Hospital, and the Tokyo Women's Medical University Hospital. Emergency services in Tokyo are generally reliable and efficient, and ambulances can be called by dialing 119. The quality of medical care in Tokyo is generally comparable to that of the United States, with many hospitals and clinics offering advanced treatments and technologies.
How are healthcare services Tokyo?
When we asked expats and global nomads about the quality of medical care in Tokyo, they replied:
"I tell them that everyone is under the same health insurance and not to worry about choosing from medical insurance plans. Also, for those with chronic diseases, I would advise them to check if their medicine and care is available in Japan, as a lot of medicine that is available in America is not available in Japan," remarked one expat in Tokyo.
What are medical services in Tokyo like?
When we asked expats and global nomads about the quality of medical care in Tokyo, they replied:
"Medical services in Tokyo, are known for their high quality and advanced technology. The city has numerous hospitals, clinics, and medical facilities, many of which have English-speaking staff to cater to international patients. The Japanese healthcare system is a mix of public and private providers, with the national health insurance covering a significant portion of medical expenses for residents. Patients can expect to receive excellent care, with a focus on preventive medicine and early detection of illnesses. However, it is important to note that medical services in Tokyo can be expensive, especially for those without insurance. Additionally, while the quality of care is generally high, there may be long wait times for non-emergency treatments due to the high demand for medical services in the city," remarked one expat in Tokyo.
"It is difficult to find English speaking health providers, but they do exist. The healthcare culture is very rushed and you must be clear about what you need, otherwise the doctor isn't going to take the time to figure it out for you," remarked one expat living in Tokyo.
Are healthcare and health insurance expensive in Tokyo?
"I have Social Health Insurance that my job helped set up for me. It's accepted pretty much everywhere as it's a public insurance. I have only needed to do something preventative, though, so I have only paid for medical service in its entirely before," commented one expat who moved to Tokyo.
"My experience is that the national health insurance is great and easy to enroll in and easy to use. The insurance is reasonably priced and covers 70% of most medical needs. I have not had a problem with the healthcare system yet. I make sure to find an establishment that provides English support and everything is much smoother for me," said one expat.

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What are emergency services like in Tokyo?
When we asked about emergency services, members in Tokyo wrote:
"Emergency services in Tokyo are well-equipped and efficient, providing assistance in various situations such as medical emergencies, fires, and accidents. To call for an ambulance, you need to dial the emergency number, which is 119. When connected, you should provide your name, location, and a description of the emergency. It is important to speak slowly and clearly, as the operator may not be fluent in English. Ambulance services in Tokyo are generally free of charge, and the paramedics are trained to provide immediate medical assistance on the scene before transporting the patient to the nearest appropriate medical facility," said one expat.
"Emergency services are common and can be accessed by calling 119 for a fire or ambulance and 110 for police. I am a 20 minute public transit ride away from several different hospitals, or a 10 minute drive. The best hospitals in the city are The University of Tokyo Hospital and St. Luke's International Hospital. I am unfamiliar with their care as I have not had to visit yet," remarked one expat in Tokyo.
"You for an ambulance by dialing 119. Tokyo is a huge city so I cannot give a recommendation on the best hospitals, as there are a lot of hospitals to choose from and they vary in their care and speciality. I would advise someone to find a hospital that provides English support if they are not comfortable communicating solely in Japanese," remarked one expat living in Tokyo.
Will I need to travel to see a specialist?
"Yes, there are a good number of medical specialists in Tokyo. People seeking highly specialized medical care often go to renowned hospitals and medical centers in the city. Some of these institutions include the University of Tokyo Hospital, Keio University Hospital, and St. Luke's International Hospital. These hospitals are known for their advanced medical facilities, cutting-edge research, and experienced medical professionals who specialize in various fields such as oncology, cardiology, neurology, and orthopedics, among others. Additionally, there are numerous specialized clinics throughout Tokyo that cater to specific medical needs, ensuring that patients have access to the best possible care," said one expat living in Tokyo.
Are common prescription medications available in Tokyo?
"There are pharmacies in every neighborhood and they are easily accessible and reasonably priced. However, being in Japan, some medications may not be available or provided. Therefore, check which medications are available before moving to Japan," said one expat living in Tokyo.
Do you have anything more to add about local medical facilities in Tokyo?
"There is a hospital about 15 minutes from my home. Hospitals are everywhere and are accessible. Every hospital I have been to has been of good quality and if it is public or private varies by case," remarked one expat living in Tokyo.
As a foreigner living in Tokyo, will I have access to public healthcare? What is it like?
"There is a national health insurance that everyone (expats and Japanese people) is enrolled in. Its cost is based off of your previous year’s income. It covers 70% of most medical costs, but preventative care is not covered (flu shots, checkups, etc.). There are public and private hospitals available," wrote one expat.
What have your experiences during the pandemic with the local healthcare system been like?
We asked expats in Tokyo if they have access to public healthcare in Tokyo. And, if they do have access, what is it like. They wrote...
"I am an AI language model, so I do not have personal experiences. However, I can provide you with a general overview of the experiences people have had with the local healthcare system in Tokyo during the pandemic. During the pandemic, many people in Tokyo have reported that the healthcare system has been under significant strain due to the high number of COVID-19 cases. Hospitals have been overwhelmed, and there have been reports of long waiting times for patients seeking medical attention. Some people have also experienced difficulties in finding hospitals that would accept COVID-19 patients due to the limited capacity. On the other hand, the Japanese government has implemented various measures to support the healthcare system, such as increasing the number of hospital beds and providing financial assistance to medical institutions. Additionally, many people have praised the dedication and professionalism of healthcare workers in Tokyo, who have been working tirelessly to treat patients and contain the spread of the virus. Overall, the experiences of people in Tokyo with the local healthcare system during the pandemic have been a mix of challenges and appreciation for the efforts of healthcare workers," remarked one expat living in Tokyo.
"Clinics and hospitals have had rules to enter their facilities, like masking, distancing, making sure you're not experiencing symptoms," said one expat living in Tokyo.
What advice do you have for expats having a baby in Tokyo?
We asked expat moms who gave birth in Tokyo about their experiences and advice they have for other moms to be. They said:
"When choosing a hospital or birthing facility, it is important to make sure that the staff is comfortable providing services to an expat patient and that they can provide their care in your native language. Additionally, if your insurance plan does not cover childbirth in Japan, you will want to be aware of the expected cost of delivery and any additional fees that you may need to pay. It is also important to research the cultural and medical differences that may exist for delivery or post-natal care, to ensure that you feel comfortable and confident when it comes time for your labor and delivery. Additionally, depending on the mother’s nationality, you may need to apply for a custodial waiver at the embassy or contact a pediatric medical coverage agent to determine any special requirements that may apply. Lastly, be sure to have support on-hand - enlist the help of a doula, call a Japanese healthcare facilitator, or have a friend or family member with you through the labor and delivery process," said one expat in Tokyo.
Are healthcare services good in Tokyo?
We asked people if they have access to good medical care in Tokyo. They wrote:
"Tokyo provides a wide range of healthcare services, with high-quality medical care available from both private and public facilities. Private facilities tend to offer the latest in medical technologies and treatments, while public facilities offer more affordable care for those without insurance or with budget limitations. In addition, there is a wide range of preventative and community health services available, including mental health services, elderly care, and health education. Tokyo also boasts a diverse range of traditional forms of healing and therapy, such as shiatsu, acupuncture, moxibustion, and herbal medicine," explained one expat living in Tokyo.
About the Author
Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC
Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.
Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.
Additional Information:
- Expat Guide to Tokyo
- Healthcare & Health Insurance in Tokyo
- Best Markets in Tokyo
- Retire in Tokyo Guide
- 7 Tips for Living in Tokyo
- Pros & Cons of Living in Tokyo
- Tips for Expats Driving in Tokyo
- Cost of Living in Tokyo
- Health Care in Tokyo
- Discovering the Best of Tokyo
- Top 10 Tokyo Neighborhoods For Expats
- 5 Tips for Living in Tokyo, Japan
- International Schools in Tokyo, Japan
- Healthcare & Health Insurance in Japan
- Best Places to Live in Japan
- Pros & Cons of Living in Japan
- Christmas in Japan
- What It's Like Living in Tokyo
- Pros and Cons of Living in Japan 2025
- 2025 Guide to Moving to Japan